Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$258,148Cash toward the purchase price.
Closing costs + prepaids$15,697Not just lender fees.
Before credits & paid funds$273,845The complete starting cash picture.
Estimated remaining funds due at closing
$273,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,148.15
Your down payment$258,148.15
Closing costs + prepaids$15,697.22
Total buyer cash needed$273,845.37
Remaining funds due$273,845.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,984.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$404.00
Initial HOA (3 months)$539.01
Prepaid interest, first (26 days)$751.95
Fees + prepaids$15,697.22
Your down payment is the seller’s equity. You take over the $396,852 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $273,845.37 is due at closing. Uses and sources reconcile at $670,697.22 each. Not a Closing Disclosure.